Fayette County, IN flood risk explained
Flood hazard in Fayette County sits at the 48.7th national percentile, below the national norm for flood hazard; driven by inland rivers and flash flooding rather than the coast — FEMA's model puts a flood event here at about 1.7 times a year. This describes the county, not any one street — FEMA only publishes exact parcel zones through a live map service.
Who actually carries the flood insurance FEMA requires
Out of 295 homes FEMA counts inside Fayette County's mapped flood zone, 49 carry the flood policy federal law requires there — 16.6% compliance, short of full coverage. Looking beyond the mandated zone, 0.5% of all residential structures in Fayette County carry flood coverage voluntarily or otherwise — relevant because most NFIP claims nationally come from outside the mapped SFHA.
How Fayette County compares nationally
Among the 3144 US counties FEMA scores for flood hazard, Fayette County ranks 1674 — 1 being the highest hazard nationally — and 1673 by population among all 3144 counties covered here, where 1 is the largest. About 23,335 people live in Fayette County, Indiana, spread over 215.021 square miles.
Checking a specific address in Fayette County
51 of Fayette County's 10,264 residential structures carry flood coverage of some kind, per FEMA's latest count — useful context, not a substitute for checking one parcel.
Where Fayette County's figures come from
Every figure on this page traces to a named FEMA dataset, documented in the methodology guide. If you're unsure why any of this insurance requirement exists at all, the SFHA explainer covers it from first principles.